PROPERTY COVER
Landlord Insurance
Comprehensive insurance for buy-to-let landlords and property investors.
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Protecting Your Rental Investment
Being a landlord is a significant investment, and standard home insurance doesn't cover the unique risks of letting property. Our specialist landlord insurance protects your buildings, rental income, and liability exposure. Whether you own a single buy-to-let or a portfolio of properties, we arrange tailored cover with specialist landlord underwriters.
What's Included
Buildings Cover
Full rebuilding cost cover for your rental property, including subsidence and flood.
Rental Income Protection
Cover for lost rent if your property is uninhabitable due to an insured event, typically up to 24 months.
Landlord Liability
Property owner's liability cover for injury or damage claims from tenants or visitors.
Contents Cover
Optional cover for furnished lets, including landlord's fixtures, fittings, and white goods.
Legal Expenses
Cover for legal costs including tenant disputes, eviction proceedings, and rent recovery.
Portfolio Cover
Multi-property policies with portfolio discounts and a single renewal date.
Why Landlord Insurance Is Different from Home Insurance
Rental Income Guarantee
If your property is damaged and tenants must vacate, loss of rent cover continues your income for up to 24 months — protecting your mortgage payments and cash flow.
Legal Expenses Included
Eviction disputes, rent recovery, and contract disagreements are covered. Legal expenses insurance provides solicitor costs and court fees for landlord-tenant legal matters.
HMO & Multi-Let Cover
We cover houses in multiple occupation, student lets, and multi-unit properties — including the additional liability and regulatory compliance requirements they carry.
How We Insure Rental Properties
1. Property & Tenant Assessment
We review your property type, tenant profile, rental income, and location risk to determine the right combination of buildings cover, contents, liability, and rental income protection.
2. Portfolio or Individual
Single properties get standalone policies; portfolios get block cover with volume discounts. We match the structure to your situation — whether you own one flat or twenty properties.
3. Void Period Planning
Properties between tenants face increased risk. We ensure your policy covers unoccupied periods and advise on security measures that maintain cover and reduce premium loading.
Frequently Asked Questions
Yes. Standard home insurance won't cover a property that's let to tenants. Landlord insurance is specifically designed for the risks of letting.
Yes, we arrange cover for HMOs, multi-let properties, and student lets with specialist underwriters.
Our policies maintain cover during void periods, unlike some standard policies that restrict cover after 30 days of vacancy.
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Get the right cover for Landlord Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover